Changera

Changera is a cross-border social payments fintech app for individuals and businesses that need to send, receive, and spend money across countries, with a focus on African users and the diaspora.

Key capabilities include:

• Multi-currency wallets to hold and convert local currencies such as NGN, GHS, and KES into USD, GBP, and EUR for international spending and transfers
• Virtual domiciliary bank accounts in USD, GBP, and EUR for receiving and making global payments
• Virtual and physical dollar cards (Mastercard and Visa) for online and offline purchases, with reported limits above $10,000, fundable using supported local currencies
• Changera Business tools for global salary payments, vendor payments, escrow, receiving client payments, and batch payments to up to 500 recipients

Available on Web, Android, and iOS.

It targets freelancers, remote workers, migrants, and consumers who need multi-currency spending and remittances, plus SMEs managing cross-border payouts and vendor settlements.

In the African fintech context, the product is notable for its MoneyGram integration on the Stellar network for cash-to-crypto deposits and withdrawals, and for positioning itself as a single app for multi-currency wallets, cards, and cross-border payments across markets including Nigeria, Ghana, Kenya, Senegal, Uganda, and Canada.